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Spring 2006

ISSN 0890-913X

Volume 22, Number 2

Categories: Education | Spring 2006

Your Credit Counts Challenge: A Model Program for Financial Education for Low and Moderate Income Adults

Mark C. Schug, University of Wisconsin - Milwaukee

M. Scott Niederjohn, Concordia University Wisconsin

William C. Wood, James Madison University

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JournalofPrivateEnterprise,VolumeXXI,Number2,Spring2006YourCreditCountsChallenge:AModelProgramforFinancialEducationforLowandModerateIncomeAdultsMarkC.SchugUniversityofWisconsin-MilwaukeeM.ScottNiederjohnLakelandCollegeWilliamC.WoodJamesMadisonUniversityFinancialliteracyhasbeengainingwidespreadinterestfromavarietyofgroups.Reasonsforthisexpandedinteresthavetodowiththeincreasingcomplexityoffinancialinstrumentsandservicesaswellasconcernsaboutwidespreadfinancialbehaviorresultinginincreasingnumberofbankruptcies,largecreditdebt,lowratesofsaving,andsoforth.TheFederalReserve,forexample,hasbeenanimportantvoicecallingforincreasedfinancialandeconomiceducation.AlanGreenspan(2003)recentlystated,"Forthisevermorecomplexfinancialsystemtofunctioneffectively,widespreaddisseminationoftimelyfinancialandotherrelevantinformationamongeducationmarketparticipantsisessential.InformedjudgmentsbyconsumerarerequiredtofosterthemostefficientallocationofcapitaL"Thispaperreportsontheimpactonattitudesofaprogramdesignedtoimprovethefinancialliteracyoflow-andmoderate-incomeadults.Theprograminvolvesthreenationalpartners—HouseholdInternational,NationalCenterforNeighborhoodEnterprise,andNationalCouncilonEconomicEducation.StudiesofFinancialEducationBraunsteinandWelch(2002)provideausefulsurveyofseveralMarkC.Schug,M.ScottNiederjohnandWilliamCWood196

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Title	Your Credit Counts Challenge: A Model Program for Financial Education for Low and Moderate Income Adults
Authors/Creators:	Mark C. Schug, University of Wisconsin - Milwaukee M. Scott Niederjohn, Concordia University Wisconsin William C. Wood, James Madison University
Year:	2006
Volume:	22
Number:	2
Pages:	196 - 208
Publisher:	The Association of Private Enterprise Education
ISSN:	0890-913X
Document Type:	Educational Notes
Keywords:	Finance, Economic education, Economic literacy

Citation:
Schug, Mark C.; Niederjohn, M. Scott; Wood, William C. / 2006. "Your Credit Counts Challenge: A Model Program for Financial Education for Low and Moderate Income Adults." The Journal of Private Enterprise, 22(2): 196-208.